1.
When you finally see how deep in debt you are:
2.
When you have to find a couple side hustles just to make ends meet:
3.
When you start to second-guess everything:
4.
When you see the hypocrisy between you and the world:
5.
When you start to get really desperate:
6.
When you have to deal with how petty FAFSA is:
7.
And when your new repayment makes you petty AF:
8.
When financial aid surprises you by picking up the phone:
9.
When you actually miss college for the wrong reasons:
10.
When you have to jump through hoops before you actually pay the loan:
11.
When you develop airtight logic to postpone making payments:
12.
When your debt is in the way of your future:
13.
When you're willing to turn on your closest friends:
14.
When you're ready to blackmail whoever it takes:
15.
Finally, when you've hit rock bottom and you're willing to put yourself in harm's way: