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35K isn't that much debt especially if she has a decent degree now. But I'd be concerned about marrying someone who was okay sitting on the couch watching sitcoms all day knowing there's 35K of debt coming their way. She could surely work at Starbucks or a book store, or some other type of job to at least bring in some income while she looks for full time work in her field. I would only defer my loans if I was in desperate circumstances such as a life threatening illness - otherwise, might as well suck it up and do something to start making those payments.
She could work retail or as a waitress or do anything at all. She could volunteer at the soup kitchen during the day at least so she won't have a giant hole in her resume.
It sounds like she thinks that she got a degree in teaching so she has to teach or else she won't do anything at all.
I knew a guy years ago who was in the exact same boat as you, although his GF didn't have anywhere near $35K in debt. After getting her degree she was always looking for the "perfect" job while being happy sitting on the couch most of the day. He tried incrementally giving her incentives to work - he refused to take her to restaurants after a while, then he refused to give her gas money and made her start walking places, and so on. She just wanted to be married and be a housewife. That was her dream. He told her he wasn't interested in that kind of relationship, at least not for several years when they were more established.
Guess what?
She went off the pill without telling him and became pregnant on purpose.
I won't even bother telling you what happened after that.
That's something that she has to do get on her own. Students loans are set up to pay off over a long period of time so yes she will have debt but will probably have to it pay off over the next 10 years. Encourage her to take the lower paid position but continue looking.
FYI my friend finished law school with loans that exceeded $100,000.00, He is a partner in a law firm but will be paying those loan for the next 30 years.
If hes a good lawyer he wont take long to pay those off. If he puts 30k a year towards them they'll be gone in 3.5 yrs.
That's something that she has to do get on her own. Students loans are set up to pay off over a long period of time so yes she will have debt but will probably have to it pay off over the next 10 years. Encourage her to take the lower paid position but continue looking.
FYI my friend finished law school with loans that exceeded $100,000.00, He is a partner in a law firm but will be paying those loan for the next 30 years.
30 years? Wheres he working at, McDonalds?
Making payments of $2000 a month (which shouldnt be hard at all for a partner in a law firm living beneath his means....no Lexus, no half a million dollar home) gets that loan paid off in less than 5 years. Then its all gravy.
It takes a while for a relatively younger person to figure out the direction of her life. Just because she is not doing anything right now, it doesn't mean she is not planning for her future. Maybe she just needs a little motivation and encouragement.
Life is unpredictable at best. What if you become unemployed someday, you would expect your so to be there for you right?
If 35K is a big deal, there's a lot of poor people here
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