despairing....

tesuhoha

Maybe you are aiming too low with your jobs. I think nadnads point is very good. If you have knowledge of law you could work in a solicitors office. I think its a terrible waste that youve given up your education. I think you should t ry to go on with it somehow.

tesuhoha

How many years of your course did you do?

all_hours

InHell wrote:

I suppose i had better explain about the bike- basically we were financially stable at the time and we decided that to try and save money my husband would learn to ride a motorcycle so we could save money on petrol, etc... this backfired as he was transferred to where we live now and I haven't been able to find a full time job.

The bike we bought hoping to get it lowered but unfortunately we can't afford to do this at the present moment hence having a bike I can't ride at the moment.

The difficulty with selling is what we could get for the bike would be less that what we would owe the finance company and we don't have any spare momney tobe able to do this.

That makes more sense. When you originally said it was your only form of transport that wasn't true, but you see it as being true in the future? You just don't want to sell now as you will lose money on it? You might have to be more realistic about this, sell the bike and pay off what you can on the hp.

InHell wrote:

around £20K of those debts were university (both my husband went to uni and then I did) as I was doing a law degree but when my husband got tranferred down here and I couldn't manage to get a job I couldn't afford to continue hence only having 4 A-Levels.... Law degrees are extremely expensive degrees

Have you got your student loans deferred?

You have 4 a levels. You are more employable than you think.

tesuhoha

I am chatting to my daughter on MSN and i told her about you. She is at uni at the moment and she said at least you have a husband and a house (She has only ever had one boyfriend and he finished with her 2 years ago). She said it is only money. Just thought that might make you feel better.

nadnad

i think you've got yourself in a rut, and have convinced yourself that you aren't going to get out of it. but you can - you're young and obviously very bright, just let us help you!

what job do you do now? how long have you been out of uni? and how long did you do at uni?

what were your A-Levels?

i'm asking all this because it will give us an idea of what you could do.

what do you think about paying to get the bike lowered - it costs now, but in the long run it would help. You could look further afield for work. Where abouts are you in the country, if you tell us then maybe someone will be able to advise you were you could go for work.

as i've said before the more you tell us the more we can help.

In_Search_Of_Me

Angela why are you here exactly? As for being a friend I suggest that you look the definition up in the dictionary because you clearly have no understanding of what friendship means! I for one am absolutely delighted that I dont know you IRL because I need a friend like you like a hole in the head at the moment!

In hell really pleased that you managed to ignore the less supportive. Keep posting & the majority will suppport you as much as possible...

Angela_D wrote:

I'm a fantastic friend I can assure you, but then I am only friends with the financially solvent :beer:

lynzpower

thanks so much for coming back and telling us that.

First of all, are YOU personally earning enough to be paying back the student loans? If not, then all the better, you have other things to concentrate on, and hopefully by the time you are earning over the S loans threashold, you will have paid off some other, smaller debts but with higher aprs.

For someone with your background, I just cannot get my head around why you havent been able to find other work. I will say this, when I finished my degree, I really struggled to find work, but also what work I was "willing" to do, particularly as I had grandeur issues, as I was told, best uni in the country, youll get the best jobs. this attitude (and I was not alone) took a long while to get out of, and I'll be honest, there are some jobs now, Id rather sign on to do. It sounds to me like there may be a little of that in you, and as another poster said, maybe youve had too many knockbacks too. I feel for you, Ive been there and its bl**dy hellish. Particuarly as there was no full time work in my area and benefits wouldnt pay up for me jobseeking, but lloyds tsb would give me a graduate loan. I do feel for you.

IN university job shops ( is there one anywhere near you) they offer part time positions to fit round uni work, and I did see solicitors office ones in my one once. Maybe this could be a route. Also, as someone else said, never overlook the jobcentre, theres some brilliant stuff on there if you persevere.

Also, if you cant face application forms are there no agencies anywhere near you. My OH is in admin now, he'd never done it before, they just gave him a job for a week, which hes moved about, but he hasnt been out of work since September. Another tip is your council you work for will use an agency, register with them when you find out who they are. Saves all the application forms & the "sorry due to a high callibre of other applicants" letters that can become unbearable.
Lynz
x

all_hours

lynzpower wrote:

First of all, are YOU personally earning enough to be paying back the student loans? If not, then all the better, you have other things to concentrate on, and hopefully by the time you are earning over the S loans threashold, you will have paid off some other, smaller debts but with higher aprs.

lynzpower would both the op and her husband be eligible for deferment, isn't the limit 1800 gross per month?

inhell , I apologise for suggesting this thread was a wind up.

tesuhoha

Another suggestion is that you could try writing letters. How about banks and building society's. I think they like people that they can train with A levels.
If you wrote a letter to every bank and building society in your area, and estate agents too, travel agents, you might get a response.

lynzpower

all_hours wrote:

lynzpower would both the op and her husband be eligible for deferment, isn't the limit 1800 gross per month?

inhell , I apologise for suggesting this thread was a wind up.

Actually, thinking about this now, my understanding is if you abort the course, then you have to start paying off the loans straight away. InHell, is that right?