I'm deep in debt from chiropractic college and have been through bankruptcy. The last two years, after I had a job opportunity fall apart, have been very tough.
My debt [post-bankruptcy] is somewhere north of $200,000 when you include eight years' worth of student loans [which are immune to Chapter 11 bankruptcy filings], a defaulted car loan and credit card debt.
I went through bankruptcy in the fall of 2008 after my own chiropractic clinic fell victim to a delayed opening after construction delays.
I was unhappy practicing near my hometown and -- after a break up -- I decided to leave the clinic I was practicing in. I felt solid with the two opportunities I was having discussions with and gave them notice of my intent to leave. After about two months of further interviewing and after I'd been replaced at my old job, I found out on December 22, 2009 that they decided to go with the other candidate.
I am currently producing content for four websites and looking for more fulfilling work as a freelance writer. I'm extremely underemployed and trying to discern whether I'll need to go back to school to pursue something different
I would say I'm definitely in a situation where I am at a loss as to how I'll get out of [debt], instead of that I don't care. I have hope.
I'm making payments on the student loan my dad cosigned for and the credit card. Money's very tight, but I intend to start some sort of plan on the car loan soon, too.
Last fall, CNNMoney profiled people who found creative ways to tackle their debt -- from selling belongings to going on spending fasts. Here's how they're doing now.
