Suicide And Student Loan Debt

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The only way I see myself escaping my student loan debt is to kill myself.

I want you to read that again: The only way I see myself escaping my student loan debt is to kill myself.

Reading that sentence gets me emotional. I can sense the pain. I can feel the despair in the words. It creates a tightness in my chest as I hold back tears thinking about what that means. You can sense the burden that is on her shoulders thinking that the only way out is to end her life. Isn’t that the most horrible thing you’ve read?

You want to know something, though? I’ve read that sentence twice this year talking to readers here on this site.

And the truth is that there are many more people out there than the two readers that reached out to me. People that we haven’t necessarily connected with, but maybe will find this article and feel a little weight lifted off their shoulders.

Let’s talk.

This blog post is part of the Annual Suicide Prevention Awareness Month blog tour presented by MentalHealthandWealth.com. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741.

Suicide Is Not The Answer (It Makes Things MUCH Worse)

I’m going to be straight with you on two levels. First, the emotional level, and second, the factual money level.

Suicide is never the answer because there are countless people who love and depend on you. Your mom and dad. Your brothers and sisters. Maybe your children. I know that today you think you’re going to do them all a service by taking away a “burden”, but I promise you, you being gone will be a 1000x burden and will cause more pain and sorrow that you could even imagine. 

No amount of money is worth your life. You can live with student loan debt. You can smile with student loan debt. You can play with your children with student loan debt. Ending your life is not the answer. There are countless ways to deal with your student loan debt, and there are countless people that can help you navigate the confusing and frustrating world that is student loan debt. But that’s gone if you take your life.

And you think you’re possibly making it easier on your family financially. Well, I’m here to tell you it doesn’t. Here’s why:

  1. Your family is NEVER on the hook for your Federal student loans, only you are – so you’re not a burden to them financially
  2. However, if you have a cosigner on your student loans, like 90% of private loans today, if you die, your cosigner (typically a parent) will still have to pay the debt.

So, in situation #1, with Federal loans, you’re not a burden. It might seem tough for you today, but you’re not impacting anyone else.

In situation #2, if you die and have private student loans, your parents could still owe the debt. And with you gone, how are they going to pay it? You’re really leaving them with a burden that didn’t exist before.

How To Get Help For Your Student Loan Debt

Now, let’s talk about your loans for a second, because we know that they are the driving factor of your despair. Being burdened with a debt that you don’t think you can ever repay is crippling. You can feel like your debt is suffocating you – both mentally and physically. When you’re deep in debt and feel like you have no chance of paying it back, and the phone is ringing with collectors, and you’re getting mail, it’s a dark time.

But there are several easy ways to get help for your student loans. Follow this simple action plan.

During Covid-19: Right now, all Federal student loans are paused until 1/31/2021. That means no payments, no interest. Take this time to take care of yourself and other needs. See this guide to Covid-19 Student Loan Assistance Programs.

Step 1. Call Your Lender. Too many people are afraid to call their lender. But what nobody seems to realize is that student loans are owned by the government, and managed by student loan servicing companies. These companies are paid for managing the loans – including by helping borrowers stay current. They are actually there to help you. Yes, it’s a call center, and yes, you might get a rep that’s not very helpful. But many are, and most will be able to point you in the right direction.

Step 2. Immediate Relief With Deferment Or Forbearance. If you simply need relief right now and can’t make a payment, ask for a deferment or forbearance. This will allow you to not make payments for a certain amount of time. You don’t want to do this too long, because your loan balance will continue to grow.

Step 3. Get On An Income-Based Repayment Plan. These are the best repayment plans for Federal student loans if you’re struggling. They will make your payments 10-15% of your monthly income, or less if you’re close to or below the poverty line in your state. So, if you have no income, your monthly payment will be $0. And that $0 per month payment counts towards student loan forgiveness. That’s a win-win situation right there.

If You Have Private Loans… If you have private loans, there are less options, but there are still things you can do to get help. Some lenders offer programs very similar to income-based repayment and deferment. You can also look at refinancing your loan, which could lower your monthly payment. We break down all the options for private student loans here.

And please, please, make sure you avoid these common student loan scams. When you’re the most desperate for help, that’s when people and companies prey on you. It’s easy to become a victim when you’re already hurting inside.

Where To Find Someone To Talk To (Or Get Help For A Friend)

If you or someone you know is struggling, please reach out to a counselor. If you or someone you know is talking about wanting to die or kill one’s self, feeling hopeless or like they have no reason to live, feeling trapped or having unbearable pain, or think they are a burden to others, please reach out for help.

You can call this hotline and talk to someone 24 hours a day: 1-800-273-TALK (8255).

If you see a post on social media, don’t ignore it. All of the major social media sites include ways to help a friend in need.

  • Facebook: Click here to anonymously report someone as suicidal on Facebook. A member of Facebook’s Safety Team will send the user an e-mail with the Lifeline number and possibly a link to chat with Lifeline counselor.
  • Twitter:
    Click here and select “Self-Harm” to send an e-mail to Twitter reporting a suicidal user. Twitter will send the user a direct message with the Lifeline number.
  • YouTube: To report suicidal content, click on the flag icon under a video and select “Harmful Dangerous Acts” and then “Suicide or Self-Injury.” You Tube will then review the video and may send a message to the user that uploaded the video with the Lifeline number.

Some other resources you may find helpful:

You can also check your local college to see if their graduate program in counseling offers discounted sessions.

Remember, you’re not alone with your student loan debt. But no matter how you’re feeling about your debt, your friends and family need you and care about you more than you could ever realize.

P.S. I encourage you to share this article on social not for me, but maybe for someone who is suffering in silence and this article may benefit. You don’t want to learn about it after it’s too late. Please share as you see fit.



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Biden Didn’t Make Eye Contact During Meeting

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Appearing Monday on Newsmax’s Wake Up America, Cheyenne McCollum, the sister of U.S. Marine Rylee McCollum who was killed recently in an ISIS-led terror attack in Kabul, Afghanistan, said “everything felt fake” about President Joe Biden’s in-person apology for her brother’s death.

(Watch from 1:00)

A transcript is as follows:

ROB FINNERTY: Your father and your sister chose not to meet President Biden at the dignified transfer, but you did alongside Rylee’s widow, who is pregnant. Tell us about that.

CHEYENNE MCCOLLUM: I wouldn’t say I necessarily stayed to meet him. I stayed to support Rylee’s wife because I didn’t want her to sit alone and she wanted the chance to look him in the eye, so I sat beside her to do that as well. I stayed and when he came up to us, about 15 seconds in I had to walk away. It was so insincere. He didn’t look us in the eye, he gave her a pat on the knee and said, “I know what you’re going through, I lost my son.” He didn’t lose his son serving.

FINNERTY: What else did he say in that interaction and how long did it last?

MCCOLLUM: Maybe three minutes. He just said, “there’s nothing I can say” and would go back to talking about his son. I don’t even think he knows Rylee’s name to be honest. I think he should know every single name of every solider we lost, but he didn’t know or say anything personal.

FINNERTY: Did you feel like he was being stage managed as he was being taken from family to family?

MCCOLLUM: Yeah, everything felt fake if I’m being honest.

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This Health Issue Can Hint at Dementia Years in Advance

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Art_Photo / Shutterstock.com

Chronic pain can be a sign of emerging dementia up to 16 years before the brain disease itself is diagnosed, according to recent findings published in the scientific journal Pain.

While it is known that many people diagnosed with dementia also experience chronic pain, it has been unclear whether chronic pain:

  • Actually causes or accelerates the onset of dementia.
  • Is a symptom of dementia.
  • Is simply associated with dementia, with the pain and dementia caused by some other factor.

So, for the study — funded in part by the National Institute on Aging — researchers at the University of Paris and two other European universities looked at the timeline of the association between dementia and self-reported pain.

Study data reaches as far back as 27 years, making the study the first to examine the connection between pain and dementia over an extended period.

Participants in the study — British government employees — were between the ages of 35 and 55 when they enrolled in the research.

As part of the study, patients were asked to report on two aspects of pain:

  • Pain intensity — how much bodily pain a participant experiences
  • Pain interference — how much pain affects a participant’s daily activities

Of 9,046 participants, 567 developed dementia during the study period, and those diagnosed with dementia reported slightly more pain as early as 16 years before their diagnosis.

Over time, those diagnosed with dementia said they felt steadily increasing pain levels compared with those never diagnosed with dementia.

The relationship between chronic pain and dementia has been a topic for study in recent years. Earlier research has noted that people with chronic pain have permanent changes in the structure of the brain that are similar to those in people with dementia.

The exact relationship between chronic pain and dementia remains unclear, but the 27-year study has given researchers a better sense of what might be behind that association. According to the National Institute on Aging:

“The researchers note that, because the brain changes associated with dementia start decades before diagnosis, it is unlikely that pain causes or increases the risk of dementia. Instead, they suggest that chronic pain might be an early symptom of dementia or simply correlated with dementia.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

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Jessica Chastain And Oscar Isaac Venice Film Festival Red Carpet

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WELL, this weekend, the first two episodes of the highly-anticipated drama premiered at the Venice Film Festival, and the costars hit the red carpet together to support their show…then proceeded to cause an internet implosion with their off-the-charts red carpet chemistry.*


Dominique Charriau / WireImage

*A new romance sub-genre?!

Specifically, there’s one short, slow motion video that has caught Twitter‘s attention, which involves Oscar gazing lovingly at Jessica before intimately kissing her inner arm. As of right now, it’s been viewed over seven million times:


Edward Berthelot / Getty Images / Via Twitter: @christinalefou

And six million of those views were just me!

Like…look at them. Stop what you’re doing, and look at them:


Edward Berthelot / Getty Images

I did not slow this .gif down! This is the video! Look at that smolder!!!

Y’all, I just — I don’t throw around the word “swoon” a lot, ya know? But:


Edward Berthelot / Getty Images

WOULD YOU LOOK AT THIS CHEMISTRY?! UNMATCHED:


Edward Berthelot / Getty Images

Is it possible to win an Academy Award for “Best Red Carpet Performance” because, if so, just give it to them:


Stephane Cardinale – Corbis / Corbis via Getty Images

Now, it should be noted that these two stars are, in fact, married — and not to each other* — but this sort of stuff just goes to show how important off-screen chemistry is for on-screen chemistry! It’s palpable!


Robyn Beck / AFP via Getty Images, Jacopo Raule / Getty Images

*Oscar is married to Danish screenwriter and director, Elvira Lind, while Jessica is married to fashion executive Gian Luca Passi de Preposulo.


ANYWAY, the internet handled this whole thing by remaining calm, cool, and collected…JK, they lost their damn minds:


Edward Berthelot / Getty Images / Via Twitter: @chstainferguson

While others opted to point out parallels to another former red hot promotional red carpet non-couple:


Twitter: @gagallure

Like — sure, this is clearly a staged thing to promote their show…but just let us have it, please:

people on the tl like “oh the oscar isaac jessica thing is clearly staged” ok so is porn let the girls have this one please!! god


Twitter: @xtinatucker

So, uh, yeah! There ya go! Find someone who looks at you the same way Oscar Isaac looks at Jessica Chastain’s arm on the red carpet of the 2021 Venice Film Festival, and don’t settle for less!


Vittorio Zunino Celotto / Getty Images

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Do You Want To Own A Million Dollar Website? Let Us Help You Start That!

Disclaimer: I am a professional affiliate marketer with years of experience in marketing. I promote those services that I’ve already tried and know they work, and I earn commissions for promoting some of these services.

Do you have a business idea that keeps you awake all night? Are you putting it off because you think building the website is too much work or you don’t have the knowledge to do it? Not a problem! With the expansion of the internet and its availability everywhere nowadays, it should be easy to do that from home, without any employees! Let us guide you in this article!

So, the easy way to do that is to build your own internet content. This can be achieved in many ways, but the most popular and successful ways are creating a website, or creating a blog! Sounds good!

But how can you do that if you have no idea how to create a website or a blog, and you are not a tech person? Let me tell you how!

Almost 90% of websites and blogs out there were not created by their owners! Shocking, right? Absolutely! These websites and blogs were created by tech persons, who have great experience in creating content quickly!

Of course, as soon as the website or blog is created, you’ll have to take full responsibility for adding more articles, making changes, adding more offers or ads, etc. but again, you can still hire someone to do that on your behalf for a cheap price!

So, how much does it cost to create a website or blog?

It depends on what you want! If it’s a simple website or blog, it can cost as low as $120. If you need many options added, or many pages on your website or blog, it can go higher, but the highest we’ve seen was $500. These are websites that sell items (either your products or Amazon products, or any other products), and have multiple pages, and thousands of items. Such websites, with proper marketing, can make huge revenue between $3,000-$75,000 a month!

The key for quick wealth using the internet is to own multiple websites in different niches! For example, I own 3 websites, one is a pet supplies-related website, one is a news website, and one is a blog, which I like to write blog articles that would benefit my readers and followers. Each website costs me about $150 a year to maintain the internet hosting service and the website name (domain name), so it’s not bad at all. Let’s break it down to show you how much earnings could be:

Costs: Domain name and hosting = around $150 (annually)

Income: Depends on content, ranges from $250-$75,000 (monthly) = $3,000-$900,000 (annually)

Gross Profit = Income-Cost = $3,000 – $150 = $2,850 monthly (minimum income)

How to start creating a blog or a website?

Here’s what we need from you!

1- Come up with an idea of what you want your blog or website look like, or sell, or offer! We have sample demo sites that we can share with you as well, and you can choose from them!

2- Sign up for a hosting service (explained below). It’s easy and would probably take 5 minutes to complete.

3- Give us access to your hosting service, and we’ll do the rest! Once the job is completed, change your hosting password. (explained below)

Now let’s explain each step to give you more information on what will be done in the process of creating your blog or website:

1- Website or blog idea and demo sites: Let’s say you are passionate about selling items, but you don’t have any items to sell. This is one of the mainly requested ideas by website owners, and one of the most profitable as well!

So, the good news is that you don’t need products to create such a website! We will provide you thousands of products from Amazon. Now every time a customer visits your website and clicks on a product to buy it, the customer will be sent to amazon’s website to complete the purchase there. Amazon handles storage, shipping, and even returns. You don’t deal with any of that headache! So, what do you get paid? You get paid in commission for sending a customer to amazon’s website, which could be up to $15 per customer’s purchase. Awesome, right?

And if you have a special design for the website we would create that, but if you don’t you could use one of our demos, such as the one in the picture below:

.

These are just samples, but we can basically make any website or blog of your dream! All we need is your idea, and a good attractive name!

2- Next Step: Sign up for a hosting service and get your domain name: This sounds a lot technical but it actually is not!

Follow the below steps and you’ll get this done in no time:

a. Go to this link https://www.bluehost.com/track/blogtastic/ , you should see a page like the picture below:

b. From the top panel, hover over WordPress, and choose WordPress hosting (see picture below):

This will take you to a page that has 3 different plans. Choose the cheapest plan as below:

Note: Prices are appearing in Canadian dollars because we live in Canada. It should appear in the currency of your country of residence, depending on wherever you live!

Once you click on the plan you like, a new page will appear to choose a domain name. This is the name of your website, so try to choose an attractive name because everyone will see it on the internet (see below):

Once you choose a domain name, click “Next” and the system will check if someone else has this name. If it tells you someone else has the name, you’ll have to choose either a different name, or a different extension (instead of .com, choose .org, or .net, or anything else). They are all similar so choose whatever is available.

On the next page, enter your personal information and choose a package (choose the basic package if you’re starting new): (see picture below)

You will see some package extras. You do not need any of these packages if you’re just starting new! In the future, once your website becomes more famous and attracts millions of people on the internet, you may purchase extra security or space, but for now remove the tick mark on any extras. Fill your payment information then click to agree on the terms of service, and click submit.

Once you submit the form, you will see the below page! Now let’s create an account on Bluehost!

Now on this page, go ahead and click on “Create Account”

Use the domain name that you chose earlier (your website’s name), create a password and confirm it, then tick to agree on terms and conditions, and finally click on “Create Account”.

You can leave us the rest from here on! Or you can complete a few more steps! Totally up to you! We can finish the next few steps easily on your behalf!

Click on “go to login”, to log into your Bluehost account. You will need to enter your domain name and password to login.

The next page will ask you a few simple questions that you need to answer:

For the first question, you will use the same name you chose for your domain, but without the extension. For example, my domain name is https://Blogtastic.org, but my website name is : Blogtastic

For tagline, you can use: A website about blogging, or an e-commerce website, etc! Whatever niche is your website going to be!

After you answer the questions, leave everything else on the page and click on “Continue”.

The next page will ask you to choose a few things that would describe your website. You can choose anything on this page that matches your ideas:

Then click on “Continue”. The next page will show you some themes. Scroll to the end of the page and click “Skip this step”. This is basically what we will do for you, so don’t worry about it now!

That’s it! You then move to a page that congratulates you for the “Nice work”!

Now all you need to do is to contact us once you’re done with these steps, and our team will bring your website or blog to life! Just email us at teamblogtastic@gmail.com , and one of our team members will set up your website the way you want! We provide you with a great website at the cheapest possible rates (see table of rates below):

Basic website or blog of your choice (you will provide products and ideas): $120.99

Full e-commerce affiliate website: $170 (we will provide 1000 amazon products and 1000 clickbank products)

Full e-commerce affiliate website: $300 (we will provide 3000 amazon products and 3000 clickbank products)

Full e-commerce affiliate website: $500 (we will provide 7000 amazon products and 7000 clickbank products)

Our team will follow up and do free maintenance for 3 months after we create your website. However, any future maintenance after the initial 3 months will cost a small amount.

Also, you will need to do your own promotion. We can advise you on where to promote your website, but you will have to do it yourself, at your own cost. That’s because every client has a different marketing strategy that makes it impossible for us to predict. Note that promoting your website is very important in order for people to know it! Although if you left it without promotion, google will eventually promote it for you, but it can take a very long time!

Let us know if you have any questions! We’d love to chat with you! Email us now at teamblogtastic@gmail.com

We wish you all the best and success!