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Student Loans

Posted By Grace Konyar, Graduate Resident Director, Ohio University, Monday, May 20, 2019

Loans.  Working in higher education, we hear about them all the time.  We try to help our students navigate their loans and what they mean on a daily basis, but we also have our own.  Loans loom in the lives of more than 44 million people in the United States, yet no one seems to have a good handle on them.  They are such a sore topic for so many people, that they often affect people’s wellbeing.  Why?  BECAUSE THEY’RE STRESSFUL!  In fact, I noticed that my loans were starting to affect my own wellbeing.  So I took some time to research them, and this is what I found:

 

Research is key

The first step in fully understanding your student loans is actually looking into them.  It’s not always a fun process and may even cause you a bit more stress at the time.  HOWEVER, it will help you in the long run.  Look into your options.  Look into what payment plans are available.  Reassess whether you want to stay on the path you’re on.  Depending on your income or your future plans, these articles might be helpful for you:

Learn about the loan crisis

Another aspect of loans that freaks people out is the looming student loan crisis.  However, besides the fact that I knew it was bad, I didn’t understand very much about it.  If you are like me and just want to have a general idea of what it’s all about, I suggest watching the “Student Loans” episode of Hasan Minhaj’s Patriot Act on Netflix.  If anything, this episode will help guide you in your personal loan research.  If you don’t have Netflix but still want to learn a little bit more about it, read this!

 

Do what’s best for you

Despite all of the links I have provided, the number one thing you need to remember with student loans is that you need to do what’s best for you.  No two people have the same repayment plan because everyone has different priorities and lives.  No one’s repayment option is better than another’s because it’s what works for them.  This is something that we all need to keep in mind when it comes to loans.  Again, over 44 million Americans are repaying student loans.  It’s not something to be embarrassed about and it’s not a race.  All you have to do is do some research, make your own plan, and do what’s best for you.

Tags:  #wellness #SAPro #SAGrad #GLACUHO #H_W 

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