Top 20 Thoughts I Had The First Time My Student Loan Payment Came Out of My Account

So, I was blessed the first time around in undergrad with scholarships. But when I made the decision to go to graduate school, I said hey, I can do this. I can take out these loans. I work. I’m a good American. It will be well worth it to add a few fancy letters behind my name.

It’s soooo easy to take a loan.

However, paying them back, oh, that’s when you feel the pain.

Disposable income? What’s that? So long. Farewell.

I wanted to share with y’all my immediate thoughts when I noticed that my first major student loan payment came out of my account. Lord, it hurt. I started rocking back and forth like Miss Sophia from The Color Purple. All of the jokes and memes came to mind, and all of a sudden, they felt so real. So personal.

1. I’ve been robbed, let me call the bank.
2. Frantically looking for old emails warning me this was going to happen.
3. Profanity. Lots of profanity.
4. Panic. I will never do anything fun again until 2026.
5. Can I reduce the payment? I’m going to the site to FAQs to reduce the payment.
6. So, about that Uber thing… That’s not a bad side hustle right?
7. Short of getting married and having a two-income house, I’m never going to own a home anytime soon.
8. Profanity against my educational institution.
9. What can I cancel or stop buying?
10. The clothes I currently own will need to look good for the next 10 years.
11. Googling all of the meals I can make with beans.
12. Welp, I only have about 2.5 years left on my car payment, which seems like a blink in time, in comparison. I’ll get a few dollars back, then!
13. So, do I want to get back into school to finish, or just defer payments?
14. Current me needs a time machine to talk to old me who signed the loan papers. We didn’t exactly end up where we thought we would by now.
15. I REGRET NOTHING. I stand by my choice. I choose my choice, I choose my choice. (screaming in Charlotte York,)
16. Slow and steady wins the race.
17. Stay employed. Forever.
18. My boyfriend isn’t cheap because he occasionally vetoes splurges. He is used to paying student loans and is a responsible individual. I must absorb his ways.
19. Rethinking my stance on co-habitation. See 18.
20. Three things in life are certain, death, taxes and student loans.