I am a adolescent (post-residency training) at a hospital. I accept $225,000 in apprentice loans, 98% from medical school. The bulk includes the absorption that congenital up through medical academy until my intern year, at which point I began to accord my loan. Due to my cheating (which I accept done to pay off loans), my payments were added to about $600/month on the income-based repayment. I additionally accept $12,000 (was originally $7,000) in clandestine loans from med academy for which I pay $100/month.
While I adulation my job allowance people, abnormally at the end of their lives, these loans accent me out. I would like to pay off the clandestine accommodation with the cheating money I accept becoming while alive the holidays ($11,000). But my 12-year-old car has has breaking down, costing me an boilerplate of $1,000 per breakdown. Despite actuality anchored the aftermost time (early Dec 2014), it still makes a alarming babble back I accelerate, authoritative me afraid about active it to and from assignment (fellowship and moonlighting).
Should I pay off the clandestine accommodation or buy a acclimated (2010-2012) car? Do you anticipate Congress will absolutely armamentarium the Public Service Forgiveness affairs (we should apperceive by 2017)? I accept been advantageous on my loans for the accomplished 5 years (almost 60 of the 120 payments needed).
And afore anyone judges, I am the American Dream and accept believed from the time I accustomed as a adolescent immigrant that I would be successful. My ancestors has consistently been poor and I accept had a job back the age of 14 (pizza hut, shoe stores, restaurants, etc…). I advised adamantine and sacrificed any ounce of fun to get to area I am, the aboriginal in my absolute family. I accept been financially absolute back I was 18 and accustomed scholarships for my apprentice education. I’m in my mid-30s and I would absolutely like a activity one day– like one that includes a ancestors of my own.
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