Skip to main content

Student Loans - Fin

Yesterday I paid off my last student loan. It took nearly 16 years to do so, a stretch of time that, frankly, is embarrassing. I financed my college education completely on my own; my parents held to the belief (in the mid-90s) that one could still pay their way through college. You couldn't, there wasn't even a chance of that happening.

My college education was financed on the backs of loans, a single grant for 2 semesters, and credit cards. I have paid off the loans. 16 years after the fact, I still have 2 credit cards within striking distance of being paid off (read: less than 5 figures).

I will not claim I was (or am) the best manager of my own money, but the cost of simply attending college set my finances back a decade. The real estate crash simply pounded the lid closed on my financial coffin in the late 2000s. We are working to dig out now, but we are purposely struggling.

There is a movement to reform college financing, something I completely support. I can't imagine the pressures of graduating today with tens of thousands of dollars of debt. For now, I'm a few hundred dollars closer to being in the black; budget projections here show that is years away, though.

Openly questioning the value of a degree is a smart first step. Evaluating the value to yourself is just as important. Either way, this country needs to have a frank discussion about education, K through PhD. I hope we have it soon.


Popular posts from this blog

Google Inbox: A classic Google product

My work domain (an EDU) recently had Google Inbox enabled so I had a good chance to try it out. My personal email is relatively quiet and, I believe, doesn't provide a good Inbox experience. Work is more active and requires actual management, something I've tossed many a tool at over the years. As part of my work life, I supported the Google Apps for EDU installation here and took a pretty extensive presentation to campus about how to manage large amounts of email.

Inbox is a classic Google product: the distillation of a number of excellent ideas into a set of half-complete features built for a use case most people don't meet. We've seen this in the past in products like ChromeVox, Google's Chrome extension for accessibility. ChromeVox works great on ChromeOS devices, but completely ignores the point that most users of accessibility tech (AT) don't have or want ChromeOS devices and come to services with their AT in tow. ChromeVox also ignores decades of convent…


Evernote, for better or worse, is the best note-taking service for my needs. It works across all my devices/computers/modes. It's fairly easy to get stuff into it. Hell, they even have 2-Factor authentication. The Windows app is a little clunky and my girlfriend and I have never been able to get shared notes to work properly (conflicted note! three times in the same grocery trip!), but what service is perfect? At least they have nice socks.

Everything, in fact, is pretty good as long as you don't screw up. And screw up I did. I'm not very regular about making backups, but I do make them every month or so. Once you figure out how to create a backup, that is.

There's a helpful Export Note option (which turns into Export Notes when you select multiple notes HINT). The export process is essentially opening All Notes, selecting every note, and then choosing Export Notes. Or something like that; Evernote never tells you, you're left to figure it out on your own. The file…

RIP Tom Petty

Tom Petty died today, aged 66. I won't claim to be a huge Tom Petty fan, but I've bought an album or two and sang along in the car to one of those songs everyone knows. I'll  stream a lot of his catalog today to remember the songs I've heard once or hundreds of times.

I also owe Petty credit for a singular moment in my life, and one I never expected to last in my mind.

Nearly 20 years ago, I was a fresh-ish faced transplant to Ann Arbor, MI by way of my first "real job" out of college, working for a software company in Dexter. I was renting a house with some other folks who'd also been displaced as a result of a fire at my first apartment. I was the only family member East of Lansing, which made me a contact point for anyone going through Detroit Metro airport.

Which is how my uncle Dean came to spend a few hours with me one evening. At the time, my grandparents (his parents) were wintering in Texas. My grandfather had health problems most of his life and…