Getting In The Zone With Student Loans

I’m sure you have heard that the accumulation of student loan debt in the United States is pretty much…well, unreal.

According to, the estimated total of student loan debt is $1.2 trillion.

This is absolutely an astronomical number.

On the opposite side of the spectrum, it’s almost considered a normalcy for people to bear the burden of this student loan debt. We could deliberate about whether attending college, or not is a determinant of your success for quite honestly….days. Does education trump experience, or vice versa? There are an incredible amount of factors that create valid points for both sides.

I will make a fairly debatable statement though:

When employers/HR/recruiters are utilizing the mandatory benchmark of whether a candidate has a degree (or not) to eliminate resumes from their copious stack, a majority of people will manifest the notion that they should have a degree to receive a high earning job after graduating from a university.*

(*Please note: I realize that there are employers/HR representatives/recruiters that do not use the benchmark as a mandatory element to allow a candidate to proceed through the hiring process. I am speaking from my perspective and observations. My perspective does not sum up the experiences of the U.S. as a whole).

Carry student loan debt? You’re not alone. According to, over 40 million Americans now carry some form of student loans, and the number is still rising. The idea of carrying this student loan debt throughout a lifetime is a lot for people to bear. So much to bear, that it can cause people to be at a standstill to not even become educated on what the actuality of the debt they carry truly means.

Do we know what our interest rates are? Do we only pay the minimum per month? Do we have a full picture of the total of student loan debt in actuality if we have taken out multiple loans?

There are an insane amount of things to learn that revolve around student loans. Learning about our student loans is a vital part of strengthening our financial game plan now – especially when there are a wide array of financial obligations that we will experience along the way of life. Being knowledgeable about our student loans will give us a strong understanding of what we owe, how to make it happen/pay it down, and how much interest is accruing over time (in addition to the money that we already owe).

I could write a multitude of blog posts about student loans, but there are much better outlets out there to get educated on the matter. What I will do instead, is provide a list of resources that will allow you to learn every aspect and perspective of student loans. Yes, the amount of complexities are tremendous. But I want to encourage everyone to become financially sound with the responsibility of taking on student loans to override the sense of being overwhelmed.

Student Loan Resources:

(Please note, none of the following are affiliate links. This is just a compiled list of sites that I have put together).

ionManage via

Student Loan Calculator via

Students & Debt via

Student Loans: Introduction via

Student Loans via

Learn About Loans via

Inspirational Student Loan Blog Resources

Want to read about people who have completely paid off their loans in a short amount of time, who have systems in place to pay off in a timely manner, are giving advice for ways to tackle your student debt? Check out this list of bloggers & resources.


Encouraging you to get in the zone with your student loans and other personal finance matters…


6 thoughts on “Getting In The Zone With Student Loans

  1. Do you know if people can use student loan money for basically anything nowadays? For example, can they go for rent, groceries, or even things like vacations, movies, and music festivals? If so, that could be part of the reason people are in so much debt. If they were limited to tuition and books, people would make better choices, like going to college near home to save money on room and board (or getting lots of roommates).

    Liked by 1 person

    1. Yes, I definitely know that student loan money can be used on anything. I remember when some students would anticipate having the money deposited into their accounts so they could shop, travel, etc. 😦 I think a lot of that spending came down to students not recognizing/knowing the amount of debt that would follow after school, and the interest rates their loans had. If they knew that in the moment purchase would cost them not just the sticker price, I think most students would choose to only spend on actual educational related costs.


  2. Also, here’s a crazy idea people should consider. Ask your state legislators to pass laws forbidding student loans for in state college expenses. That would guarantee that the in state students graduate debt-free. At first you may think that it would mean a lot of people wouldn’t be able to afford college, but I think it would force schools to cut tuition (and perhaps states to cover a greater portion of the costs again) to the level where most people could afford it with a little saving and planning. There would also be work-study programs and the like to help with the costs. You would see schools cut some of the frills (like maybe the campus rec center wouldn’t have a wave pool), but people wouldn’t be graduating owing a house. Note the University of the Ozarks follows this model, so it can be done.

    Liked by 1 person

    1. Very interesting idea. I would have to look more into this concept. In theory, it sounds fairly reasonable. I also did know a lot of students who worked several hours/internships/work study programs that helped save to pay off their loans and college costs at an in-state institution. Thanks for your thoughts and for stopping by!


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