“I’ll just need you to sign this waiver before recess.”

I’m gonna let you in on a great BIG secret. Gail is the only person in my life who knows this…. and multiple people know that my vibrator is named Fluffy.

secret

It is HUGE.

sinkhole

The secret, not the vibrator. The vibrator is actually fairly small, so’s I don’t stretch myself out before the next time I get the real thing.

Here it is, y’all.

I owe $135,000 in student loans.

shocked face

Yup. That’s what it costs to be a librarian these days. Oh wait… I forgot to mention something…

NO IT FUCKING DOESN’T.

Seven years ago, when I was 18, I sat in a financial aid office… alone… next to a bunch of other 18-year-olds who had competent parents acknowledging that they were still children. It was here that I was offered one of two choices: accept a little money… or… accept a lot of money!

little girl with moneyHmm…

There were extenuating circumstances here. My mother had left me my senior year of high school to go live with her online boyfriend a few hours away. It was made clear that I needed to get out of her house, so she could sell it, which she did not do for three more years. Gail and I had drifted and she was paving the way for her own shit decisions, so I clung to my ex-husband in a desperate attempt to hold onto something-fucking-anything-at-all surrounded by all that change. I was unable to transfer my job to the college town where we moved and my future ex-husband was “really trying to find work”… so we needed the money. Then, I threw myself into my studies, not allowing a lot of time for more than my video store job and my ex-husband was “filling out applications everywhere” with no luck… so we needed the money. Then there was a house fire that “started out of nowhere” and we lost everything we owned… so we needed the money. Then there was that one job and that other job and even that last job that didn’t pay my ex-husband “illegally” and totally not because he made them up… so we needed the money. Then we were evicted, even though he was “paying the rent”… so we needed the money. Then I got pregnant… so we needed the money. Finally, fucking finally, I was getting shot of him and starting a new life and buying new furniture for my new apartment where he wouldn’t be breaking in and stealing from me while I worked two jobs… so I needed the money.

No matter what happened in the past, my financial aid was how I cared for myself… even if it’s just retroactively from this point in time. I’m not sure that, given the opportunity, I’d have even let a Christian Grey swoop in and pay off all my debts, because that would mean I never provided for myself. Okay. Fine. I’m lying a lot. I would totally let a sexy millionaire shove me full of jacks and marbles in exchange for $135,000. Yeah. That’s actually exactly my going rate for weird shit. I don’t really have a problem with paying back these loans, though, because I finished my degree and ultimately accepting them allowed me to leave an abusive relationship while educating myself. I’ll gladly pay back $135,000 for the $303 it cost to hire a paralegal and get a diploma.

bargains galore

My point here, is that the majority of these life-altering decisions were made when I was a child. Lawmakers can talk all they want about legal age of consent and being tried as an adult, but your basic Intro to Psych student can tell you that the pre-frontal cortex has not fully matured until around age 25*, and ironically so, because they’re likely 19 and paying for this class, that laptop, and those new shoes on credit. At 18, I could’ve signed my life away to kill for Uncle Sam, but couldn’t have owned a gun for target practice? I couldn’t rent a car, but I could get a credit card? I couldn’t drink alcohol, but I could make a binding legal commitment to an unemployed sociopath? I couldn’t gamble, but I could legally sign onto thousands upon thousands of dollars worth of debt… repeatedly?

kids in suits
Sure, sure. I’ll sign the promissory note.

In Mississippi, you have to be 21 to get a marriage license without parental consent.* That’s brilliant and that’s my proposal. Pick one legal age for all of these decisions and don’t make it fucking eighteen. I work with 18-year-olds and the majority (yes, there are exceptions – end disclaimer) of them are not capable of making decisions that will affect the rest of their lives so strongly as getting married and taking on extreme financial burdens. Had I not been married, I couldn’t have accepted near the amount of loans I did, because my parent’s income would’ve been considered. Had the law said I had to be 21 to get married, maybe my mom wouldn’t have taken off. I don’t know. Maybe this wouldn’t have helped me, but it would undoubtedly help many others. Three years of brain development is astronomical, particularly when you’re discussing the part of the brain controlling….

  • Foreseeing and weighing possible consequences of behavior
  • Considering the future and making predictions
  • Forming strategies and planning
  • Ability to balance short-term rewards with long term goals
  • Impulse control and delaying gratification
  • Modulation of intense emotions
  • Inhibiting inappropriate behavior and initiating appropriate behavior
  • Simultaneously considering multiple streams of information when faced with complex and challenging information

I understand that one of the arguments against this is the Armed Forces. That’s why I exclude them entirely from these restrictions. If we’re going to allow 17-year-olds to fight for this country, buy them a round of shots. Whether or not I think we should be doing that in the first place is a different issue. Additionally, I suggest a firm 18 for medical decisions without parental consent. We allow a 15 year old to get Plan B, but not fucking cough syrup or even birth control? How about we not let children medicate themselves at all before they’re old enough to understand the potential consequences for their health? I’m not referencing a moral dilemma here. I’m referencing studies of the human brain.*

Personally, I’m lucky. I lost the baby and there’s a warrant out for my ex-husband’s arrest, keeping him away from this state. Yeah. Those things make me lucky, because my marriage only affects me emotionally… mostly. I owe three times what I’d make in a year with a full time job, but I’ve applied for an income-based consolidation plan and in 25 years, they’ll forgive what’s left. At least I actually graduated. My friend from high school who dropped out, though, after years of accepting the maximum allotted amount for a woman with three kids,  primarily due to her shopping addiction? Well, according to Direct Consolidation Loans, you can receive complete loan forgiveness as long as…

“Your servicer receives acceptable documentation of your death.”*

bling casket
To be fair, she’s probably already purchased this.

Yeah. I look this shit up.

http://www.hhs.gov/opa/familylife/tech_assistance/etraining/adolescent_brain/Development/prefrontal_cortex/

http://www.usmarriagelaws.com/search/united_states/mississippi/

http://www.loanconsolidation.ed.gov/

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2 thoughts on ““I’ll just need you to sign this waiver before recess.”

  1. I sent you an email because I couldn’t comment.

    Well technically I could comment but other people might take umbrage with the content of my comment.

    And we don’t allow that here.

    Not here as in WordPress more here as in the great white North.

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