I feel so bad

  1. Since I was replaced at my job, my house is in danger of foreclosure. I finally broke down and asked a family member to cosign on an alternative loan for me and they agreed. I'm not borrowing a whole lot, but I still feel like scum for even needing it. I don't have much longer to go, so thankfully I can destroy it soon after graduation. This is just a yucky feeling.
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  2. 17 Comments

  3. by   Tweety
    I'm sorry. Hang in there. Hugs.
  4. by   NursesRmofun
    Sorry that happened. Good you can see the light at the end of the tunnel though. You own your own home at age 25...that's great.
  5. by   nursemary9
    Hi

    I'm so sorry for you!
    (((((((((((((((((((((((((((((HUGS))))))))))))))))) ))))))))))))))'
    :icon_hug: :icon_hug: :icon_hug: :icon_hug:

    Keep hanging in there!! You;ll do it!!

    mary Ann
  6. by   SmilingBluEyes
    Sounds to me as if this is in no way your fault. Honey, we all go through rough patches and may need help. Do not feel guilty. Just be glad you have resources to help you, in order you do not lose your home. And resolve just to do the best you can as always. You needed help; someone came through.

    Perhaps, you can pay it forward when you are the one who is able to help another in need. You will certainly know how it feels to be in need and I am sure will do the right thing when it is needed.
  7. by   Fun2, RN, BSN
    I agree with the others, and understand your feelings. Having to borrow money rips your pride to pieces, but you will soon be able to pay it back and give help in return to others, etc.



    Think of a postive aspect, the person who gave you money must think pretty highly of you to help you out like this. :kiss
  8. by   Corvette Guy
    Pay it forward is an excellent idea! In the mean time, don't feel guilty in accepting assistance while in school! While going through the OR Tech program [AAS in Surg Technology] in the early 90's I was on food stamps, and me & my two sons [I was a single parent] lived in low income housing. Some day you will be able to look back on all your trials & tribulations thankful for the resources you had and proud of your accomplishments, too!
  9. by   CseMgr1
    Quote from southernlpn
    Since I was replaced at my job, my house is in danger of foreclosure. I finally broke down and asked a family member to cosign on an alternative loan for me and they agreed. I'm not borrowing a whole lot, but I still feel like scum for even needing it. I don't have much longer to go, so thankfully I can destroy it soon after graduation. This is just a yucky feeling.
    Sure it is. Hurts your pride. Just be thankful that you have someone to help you save your home. I didn't, and I lost mine in July after the finance company who held the second mortgage on it refused to remove their lien so I could sell it. Now their scumbag collection attorneys are coming after me for the balance owed. I have until October 12th to come up with payment arrangments, or they are going to get a judgment against me. Well, they can pound sand, for they are not going to get a dime out of me, seeming that I have no job or assets. That's what happens, when you get mixed up with a predatory lender like I did with no way out.
  10. by   DutchgirlRN
    I'm sorry you're having such a rough time right now. (((((((hugs)))))))
  11. by   SouthernLPN2RN
    Thank you all for your kind words. Things didn't work out as I'd hoped, but I may have a second chance with it. I AM GOING TO GET THROUGH THIS DAMMIT!!! (picturing Miz Scarlett, lol) I half had it figured out. I did end up in the dr's office thanks to a headache that went on for 2 weeks, totally related to stress. Anyway, I will survive this. No matter what, I will be graduating in 2 months and I will still have my home. On the predatory lender thing, I am stuck in an arm that is now at 12.2%. The pmt really hurts, but after I start working as an RN, I should be able to clear my credit enough to refi in a couple of years.
  12. by   RebeccaJeanRN
    I wish I could wave a magic wand and take everyone's financial woes away...its a shame what financial stresses can do to us. However, if you have a home, and you are getting an education, then you are better off than 99% of the world's population. I remember something that a patient once said to me. He was an older man from some south American country (like Guatamala but now I forget). When we talked while I cared for him, he was fascinated that I was changing careers in mid-life (studying nursing). He said to me that in his country, everyone working in a factory knows where they will be in 20 years...in exactly the same place only making less money (no raise for inflation). In other words, with age, people in his country usually become worse off rather than better. He said only in America could a person like me decide in mid-life to change my life's course. Of course, I didn't tell him that it was with a mountain of loans but I don't think it would have mattered to him. What awed him was our ability in this country to control our destinies. I hope that this little story was good for you to hear right now...your finances WILL get better. And in the meantime, you are going forward with your life's plan. Warmest regards.
  13. by   Fun2, RN, BSN
    I hope things come through for you.
  14. by   live4today
    ((((((stay encouraged southernlpn)))))) i feel your pain. wish i could help in some way. you'll be in my prayers. i can say that whatever god allows us to go through, he goes through it with us, and ultimately uses our situation for his glory to help others who walk in those shoes of loss, near-loss, financial stresses, etc. :flowersfo :icon_hug:

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