Hey look, it's our old buddy Hitlerstache!
You've guessed correctly that this post is about money, which means you've also guessed that I'm filled with annoyance and anxiety even thinking about it. I have much more interesting and fun things to talk about, but this is the one currently in the forefront of my consciousness. I'll try not to belabor it.
Basically, for the entire time I've been a graduate student (dragging on four years now) I've been indebted to people. It started with moving into a new apartment right at the start of school, requiring a whole lot of money I didn't have saved up despite working all summer, and which I couldn't yet get from student loans, since it took until mid-semester for them to disburse. I had to borrow money from my then-boyfriend and his mother, and it took me many months once I did have loan money to pay them back.
Every semester, it's been a struggle of not quite enough money and way too much debt. When I just about thought I'd evened it out, I was hospitalized and had crazy bills to pay. When I recovered from that, I went to live in Venice and didn't find a subletter for my half of the apartment, so I paid rent where I wasn't living (and therefore blew my budget for when I got back). And so on.
I just about got it right, then my financial aid got screwed up, hardcore, in a ridiculous scenario so frustrating and asinine that it literally took until this Friday to clear up. It has been going on since 2007. And it has made me have to borrow from, beg and cajole, and generally impose upon all the important people in my life for all this time.
Money was one of the topics about which many, many of my fights with my ex-boyfriend centered. It wasn't just that I was borrowing from him, or that I couldn't afford to go to Peter Luger's for lunch so he brought our neighbor and then got angry if I asked for him to help with groceries. It was that he didn't believe I had the ability to ever make money, or to ever pay him back. He felt I was free-loading, that I was always going to be a burden on him, and that any future with me would involve constantly bailing me out. (The idea that I would one day finish school, get and keep a good job, and become financially solvent to the point where I could support us both so he could go back to school was, in his words "absolutely preposterous.")
I wouldn't say we broke up over money, but it was a pretty significant factor. It's part of why we moved to Connecticut and imposed on his mother until she couldn't stand me, it was brought up frequently among my other faults as a human being, etc. It sucked. It made me disgusted with relationships and money and the student loan system in general, and it made me sick in my heart to know I had let material concerns come between me and someone I loved.
With literally no money in my bank account, I moved in the middle of the semester, at my mother's expense, and started imposing on my parents. People often ask me why I live in New Jersey (since it is about a 2.5 hour commute to school and work and stresses me out a lot), and you wouldn't believe how many times I've had to explain that this is my last possible option. I can't afford to live anywhere else.
My parents are generous, nice people, and they try not to hold it against me that I can't contribute to household expenses. Still, I wake up every day in their guest room, knowing that I am 27 years old and I had to move back into my parents' house. That I have to borrow money to take the train and I am dependent on them for food and utilities. That I work my ass off and make the maximum amount allowed for a graduate assistant, and it doesn't even pay for one full class at Pratt.
Last week the bursar canceled my registration for this organic chemistry class because I hadn't paid my bill. This is because earlier in May (over a month ago) I'd sat down with a new financial aid counselor and (I thought) sorted out the problems with my aid, but I still hadn't received the check that I had been told was in the mail. I scrambled around all day begging professors to let me re-register, getting signatures from department heads and deans, etc, but eventually the only thing that was getting me back in the class was paying about $5000, which, obviously, I don't have sitting around.
As I stood there paying with my mom's credit card numbers on a Post-It (and they had to call her to verify that she'd given me permission), everyone in the bursar's office was deeply sympathetic. They all said "oh yeah, those $100 late fees for re-registering, they'll get you coming and going," but no one offered to refund them. They all smiled and said "We've all been there," but I kept looking at their nice clothes, the framed photos of their children (who attend the very expensive university for free), their gigantic engagement rings and wedding bands, and I very cynically thought, "No, I don't think you've been here."
Even as I sit around feeling sorry for myself that I am 27 and woefully dependent on other people, I realize that I'm not really going it alone. I could be an orphan or have parents who can't afford to help me (let alone buy me a sailboat I don't deserve). I could have roommates who sue me instead of break up with me when I can't come up with rent. I might be homeless or have to go to a library to use the internet. Whatever, things could always be worse.
I just thought that by this point in my life, I'd be working and making decent enough money to live. That I'd be concerned with starting a family, buying a house, planning for my future with someone else... I thought everything was going to go a heck of a lot differently.
Now that I finally have essentially two years' worth of student loans, you'd think I'd be able to square everything up with everyone, right? Pay back what I owe and still have enough to live on (seeing as the amount I'm allowed to borrow is supposed to be the cost of tuition plus living expenses)? Ha. After I pay for this class and the tuition I owe Pratt for my thesis credit, then pay back all the people I've had to borrow from, I will have very very little left. Not really enough for a year's rent and expenses on an apartment, however much I would like some independence and autonomy.
It sucks. This is the money I've been waiting years for, because it represented freedom and unburdening myself, squaring up, getting on my own again, and it's just... not enough.
Every day I'm keenly aware that I'm still a gigantic burden, and not just financially. I'm so tired of it.