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When I was 5 years old my Mom asked me what I wanted to be when I grew up. Without any hesitation I proclaimed “I’m going to be an actress.” Like most parents who ask their children their career aspirations my Mom encouraged me. As I grew up I continued with dance classes, acting classes, voice lessons, musical theatre workshops; anything that put me on a stage singing and dancing. It was all I wanted to do. It was no surprise to anyone that as I approached High School my career ambitions were still to be an actress. My sights were set on Broadway. I was convinced that I would live in a postage stamp apartment paying way too much rent, waiting tables and auditioning for my “big break”. Sometime around my junior year of High School my guidance counselor met with me to discuss college applications and career choices. I told her I wanted to major in musical theatre. “Okay, but what do you really want to do?” She responded, rather condescendingly if I recall correctly. “I’m going to major in musical theatre and move to New York City and be a working actress.” I was met with a lecture about the success rate of actors, how even though I was incredibly talented that the financial income of a performer in NYC was not going to be a lot. I should major in music education, she suggested. I didn’t want that. I wanted stardom, I wanted to pursue my passion and no one was going to convince me to change my path. My parents were amazing. I had their full support and they encouraged me to exhaustion. It should be noted that I was a know-it-all teenager. Not only did I lean towards the dramatic on a daily basis, but no one could tell me anything different if I believed I was right. So, when my parents encouraged me to apply to more than two colleges, to improve my grades so I could get more scholarships, to take the SAT as many times as I possibly could, well, I did not listen. I graduated, but not with honors. I applied to two colleges and was accepted but with only a small talent scholarship. I took the SAT twice and settled for a score that no one would boast about. There are so many things I would say to 17 year old Mallory. She knew nothing. I was accepted to Shenandoah University, a private out of state university. They had a program for musical theatre that was impressive and exciting and they accepted me. I felt on top of the world. A few months before I graduated High School my parents were denied a parent plus loan because they had too much out in loans for my brothers education. There was a grave concern I would not be going to college. My Dad applied for a student loan with me and I was approved! Everything was great! College was still in my future. I had no idea how much this loan was for and I even think to ask. I was going to college and I had no concept of the financial consequences of student loans. Freshmen year and I’m in heaven. I’m surrounded by other people who are absolutely obsessed with musical theatre and being on the stage. I was truly happy. Could something make me happier? Well, a refund check certainly did. I suddenly found myself in possession of a $2,000 refund check for “living expenses” every trimester. I was rich. I could afford anything! My books, music, dinner with friends. I spent it foolishly. As I lived my four years at Shenandoah I managed that refund better, especially when it was being used to pay for my rent to live off campus. I even got a part time job to have more spending money. When I graduated I was hired to tour the country with Missoula Children’s Theatre. I was making around $900 a month. No living expenses, no travel expenses, just straight income. It seemed lucrative for a first job fresh out of college. When my dad called me in November my ignorance bubble was very abruptly burst. “You owe $800 in loans in a month.” Cue my racing heart. Cue my panic attack. “Dad, I only make $900. I can’t afford that! I’ll never save anything! Can’t I postpone?” My dad encouraged me to start making payments right away so that interest would not build up. I didn’t know anything about income based repayment. I knew nothing about what was happening. And not to fault my father, but I don’t think he really did either. Before I knew it I had a private student loan with Wells Fargo. My federal loans were consolidated with a private bank. Somehow a small chunk of my loans were not consolidated, and those to this date are still in forbearance because I can’t afford what is left with the consolidation I have to pay. My $800 was now around $600 on a 30 year loan. Well, that seemed more manageable. So for 2 years I paid that on time and never missed. My dad was a co-signer and I was not going to have this major loan be a burden for him. Suddenly moving to NYC was not a reality. How could I afford that payment and rent? I knew I had to move back in with my parents in Pittsburgh. I found a job teaching theatre and moved home in 2010. In 2011 I re-consolidated the loan, still with Wells Fargo to get a lower payment. My dad was still my cosigner and the payment was now just under $500. But as life’s major events got in the way it became clear that Wells Fargo would offer limited relief if I ever had financial hardship. Only two months forbearance after 12 months of on time payments. After that you don’t qualify for a forbearance until you’ve made 12 more months of payments. After each forbearance my payment went up. Now it’s over $500. On the 1st of every month I am hit with a crippling student loan payment. It is only $7 less than my mortgage. Within 5 seconds of receiving my paycheck the entire thing is gone. Completely. My total student loan debt with Wells Fargo is just over $70,000 with 6.65% interest. And don’t forget what I still have in federal loans. So who’s to blame? Some might argue that I should have read the fine print more closely or maybe I should not have chosen such an expensive college. Both of those arguments would be valid. But the actual issue is lack of education. I simply didn’t know. With the rising cost of post-secondary education and loans being given out easily, not to mention my parents undying support of my dreams, we just didn’t know any better. It is only moderately comforting to know that I am not unique in my situation. There are people my age all over the country who are suffering this burden. In 2012-2013, private student loan debt reached 6.2 billion. (https://studentloanhero.com/student-loan-debt-statistics/) So I’m not the only one who is out of options. The real question then is what is to be done? I could go on and on about the numerous phone calls to Wells Fargo asking for any kind of assistance and relief. Asking to refinance only being told my dad would still have to co-sign and the monthly payment would barely go down. The only thing to do is to educate our current high school students. I currently am a music and theatre teacher at a charter school in Pittsburgh. My position is very unique and because of this I am back in school working towards my music education certification so that I can keep my job. More student loans. What is truly special about my school is that a graduation requirement is the completion of a Financial Literacy course for our seniors. All too often I have seniors who complain about the class. “It’s boring.” “I don’t care about balancing a budget.” “You all are doing too much.” When these complaints come across my piano I immediately stop class. I impress upon my students the importance of a financial education that I was denied and I honestly don’t blame anyone, not even my Alma mater. No one anywhere was offering this type of education. You were expected to go to college after high school and if you couldn’t pay for it (and really, what middle class family could) you took out loans. It was just what you did and you didn’t ask questions because you didn’t know you should be asking questions. We were living in ignorant bliss. The government was paying for our education and we were not educated enough to ask “But what are the terms of the loan?” They might have been there, but they were not bold enough for us to read and we were definitely too blind to see. Educate your children. Educate yourselves. College is important but only if you are pursuing a career that will employ you and provide the income to pay for the education you needed to get it. We need people to work service jobs; mechanics, electricians, plumbers. Jobs that don’t require a four year education but will never run out of business. We keep pushing our youth into higher education only to get low paying jobs they don’t want and are then left unable to pay for the degree they earned. If we want to invest in our future we have to first teach them how to invest.

Hello Everyone! I know! It has been a long time since my last post. I have had so much family stuff going on that I have been absolutely c...

FINANCIAL RATIOS ➗ Use these 20 ratios to analyze financial statements - fast. LIQUIDITY: Net Working Capital: Current Assets ➖ Current Liabilities… | 39 comments on LinkedIn

I’ve scoured the game shelves for games to teach kids about credit (a vital life skill!). Here’s what I found.

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Asset classes are categories of investments, such as stocks, bonds, cash, and alternatives. Learn about various asset classes and their roles in finance.