Loan Sharks

270 days. That is how long one can go without paying on their student loans before these people really get pissed. I was one of the lucky ones, I left school only owing $3600 -- well plus another 4 grand on a credit card. After I got a real job, it was time to start paying those loans. At first I was ok with that.

Then I got this and this and this, and pretty soon the last thing I wanted to spend my money on was my student loans. I heard stories about people who owed on them for years and no big deal. So I started throwing the statements away. I figured if I had any money left at the end of the month... well that day didn't come. I'm the type of person who spends $1.25 for every $1 I make.

Well eventually they did get really angry. And they started talking about garnishing my wages! How embarrassing! So, ok, I paid them their money and they are happy and I get one less pair of shoes a month. I actually had to argue with them that no, I haven't really fallen on hard times - I just am really bad at prioritizing.

So, in case you ever wondered, you can go 270 days, but not a second more.