overview for Oka

[–] [email protected] 3 points 2 years ago (2 children)

Many restaurants clearly state "we add gratuity of x% to tables of 5 or more". Or something similar. It's an asshole move not to share this until you get the bill, but if they tell you ahead of time, I think it's fair.

What keeps you going every day? in c/[email protected]

[–] [email protected] 3 points 2 years ago

I have applied for the income based payments, but I also have 2 other loans that were deemed "personal loans" which makes up the other half of all my loans.

I'm at over $100,000 USD in debt. If I don't pay it, they're going to come after my family members who cosigned, and they can't afford to pay it either, so we're all fucked if I don't make payments.

BTW I was late on 1 payment and they slapped me with an additional $70 on my regular payment of $25. This is why I've thought about ending it. It won't be my problem anymore and I won't have to consider the consequences.

I'll just be gone forever. But I also don't want to do that to my family if I can help it.

What keeps you going every day? in c/[email protected]

[–] [email protected] 13 points 2 years ago (3 children)

Debt to family members. If I pay them off, I'll have a reason to keep living. If i decide to run or kill myself, then I'll just be "a coward" and "selfish".

But I've had bad luck my whole life. I hope I'll be able to pay them off one day, but the idea of suicide has been crossing my mind daily. I've been unemployed since covid except for 1 job which lasted a month, and another job this December which may only last a month.

I am out of money. I just graduated university with a Bachelors Degree, and unlike most of my colleagues, I've been unable to get a job in the industry.

My school loans are coming to collect in January. My whole family is poor. I'm the realistic example of a poor person graduating with a degree. I'm stuck poor, and I will probably die poor.