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A newbie’s story

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Joined: 25/July/2006
Location: Canada
Points: 2
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    Posted: 25/July/2006 at 10:30am


   First off I want to say that im SOO glad I came across this website, if anything these forums have done for me it is give me confidence in that regardless of my situation my sanity and health come first!  Yes debt is a burden but it cannot run your life, as any of us can leave this earth at any moment.

   k enough of that lol....heres my current situation.  I just finished my honours undergrad in sociology and am enrolling into a 1 year ECE program this fall, afterward im entering into a 1.5 year child and youth counselling program.  At this point (4 years of uni) i owe 34,000, which scares me...i have taken the maximum osap for all my 4 years of university, thankfully the repayable amount is capped at 7000 a year. i STILL have 2.5 years left of school which worries me cuz that means my total student loans will be around 60,000....

  If only i did a professional progam in university, my broad sociology degree doesnt seem to useful, hence my decision to add 2 advanced diplomas to it to enter the social service field as a child welfare worker.  My per month payment im assumign will be close to 600 dollars a month, and it just hit me the other day what a disease that amount will be on my life after school.  Ill pretty much be confined to living at home and not being able to get a car or anything.  safe to say im scared...but not that scared...

  Regardless however I still dont regret getting my education, because I STILL believe that student debt isnt bad debt, compared to other types of debt (credit card, car loan etc) its good.  OSAP gives me a lot of free money every year and thats much more than a standard bank loan can offer.  The truth is that OSAP does make university/college accesible those who cant afford it upfront but will one day be able to and pay them back.  If I didnt get OSAP i would be a full time employee in some factory with a high school education.

  Money comes and money goes, i guess ill have to see my money 'go' for a while till i see any of it coming in...but if thats the price i have to pay for the education and the knowledge and the EXPERIENCE ive had with university, then ill gladly oblige.


Thats my experience plus a little opinion thrown in glad i registered!! thannx again everyone at forums!!



Absolute Power Corrupts Absolutely - Lord Acton
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