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Cake day: July 31st, 2025

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  • So it’s complicated because it depends on what your loans are from - government loans, a personal bank loan, credit union, etc. There are student loan companies, many of which are extremely predatory and if you’re 18 and just being told “you’re smart, go to college”, you have no idea what you’re actually signing up for.

    I was told through my teen years that I would “be able to pay my loans back based on how much I make”. This is how government loans typically work. At 18 I was not aware that I didn’t qualify for - so I went through college thinking I was going to pay my loans back based on my own income.

    I was very very wrong, and had no idea until my first loan came in and it was literally more than I made in a month of work.