I've filed this gofundme under illness because it severely affects my mental health.
I don't need to be rich, I just need to be out of debt.
My name is Dylan, I'm 29 years old and I owe $33,000 to the bank.
I've been consistently paying off debts for close to ten years and am actually quite proud of this achievement but there's still such a long way to go and I am beginning to really lose hope and have a sense of drowning depression.
A combination of no financial education and little support got me into debt early in my adult life. Family life has always been a complicated situation but regardless of who has been there to love and support me, unfortunately I haven't been able to receive assistance financially.
Supporting myself through full-time studies, a need to rent early in life, bad luck with big expenses, such as multiple used cars that turned out to require even more money that I didn't have to fix and maintain before they had to be replaced.
I have somewhat consistently been able to barely make minimum repayments but continuous refinancing and high interest rates have meant that I'm no closer to paying off the debts.
I've always been too proud to ask for help before, determined that this is my problem alone to fix but with my mental health - depression and anxiety due mostly to the crippling debt - having deteriorated to an alarmingly low point, I think it's time that I try and ask for help before it's too late.
Owing this debt doesn't just take away my paycheck every month, it limits my ability to think clearly. It stops me from looking for what I want to do with my life, as I'm forced to stay safe and not risk losing an income or cannot afford further study. It gives me immense stress and anxiety. And occasionally it strips me of my will to live.
The truth is I feel pathetic begging. But the truth also is that I can't continue living with this crippling debt. I'd like to be someone with only student loans to pay but without money owing to the bank. So I can begin saving for a life. And consider saving to start a family.