Student Loans

It’s that time of month again. The time that I really hate. It’s time to make my student loan payments. It is never ending. Being under the shadow of student loan debt is very depressing. It makes my life very difficult. I am so fed up with friends and family saying you have a good job paying good money how come you keep saying you have no money? The reason I have no money is it all goes back to the government in the form of student loan payments and of course taxes. One third of my paycheck is deducted for taxes, UI etc… and then I have to pay out what is equal to a mortgage payment in student loan payments and that really sucks. Sometimes when I get a new teller at the bank I have to resist the urge to deck them not because I am paying the loans but because they always ask the same stupid question “Did you ever consider consolidating?” let me see Duh!? Hello!!! I have tried many times and your fucking bank tells me every single time that I am rejected because my debt load is to high and adding another loan will only make it worse. So stop asking me unless you can do something about it! What I don’t under stand is how will a consolidation loan make my debt load worse? You would think that if I could get a loan to cover my student loans then I would only have one loan and one payment and that would make things a bit better? The loans officer at the bank told me that even though the new loan would wipe out the old loans the bank when processing the new application looks at the old loans combined with the new. Now isn’t that stupid? On paper they have doubled the amount that I owe and because of this I get rejected.
Ok as I can feel my blood pressure rising I am going to end it here and look at the positive I don’t have to thing about it again until next month.