Expectations...Crushed
So I know that I haven't posted since January, blah blah nine months blah blah I could've had a baby in that time blah blah blah, but here for you all is a comeback post. Unfortunately, those of you who were hoping for a funny anecdote, or a philosophical rumination, or a book review or an analysis of Abraham Lincoln, must all have your expectations CRUSHED! For this will be that most dreaded of posts--a rant about my personal life. Not about boys or personal identity or my school stress or my general failuritude, but of all things, money.
Because from money, I think, stems the current predicament in which I find myself. As shamelessly as I ramble about my relationships with family members I feel a little uneasy spilling money secrets. But screw it--here's a rundown of my family's financial situation, from somebody who knows absolutely nothing about finance.
1. Together, my mom and dad's incomes amount to quite a tidy sum.
2. Mom and dad make this money going to work every day at high-paying jobs they don't particularly enjoy.
3. They keep at it (you might say heroically) so that my sister and I can get a good education, which they have always stated to be the most important thing.
4. To my discredit, I have no clue where all my parents' money goes, but it must go somewhere, because my sister and I both need financial aid to attend the private schools that we do.
5. In fact, if my parents go on spending this much on our education--even if my sister goes to a public high school next year--they won't be able to retire. That sucks a LOT.
6. You know those charts that colleges put up to give you an estimate of how much aid you will recieve based on your family's income? Well, according to those charts, because my parents earn so gosh darn much, the financial aid that I'm likely to recieve for my college education falls somewhere in the area of $7.
In other words, the rant that you hear time and again from private school students--"I'm too poor to pay for college but too rich to get financial aid!"--is my rant too, only I'm not kidding. But let's put that aside for later. I should add one more to the list above:
7. Currently, my parents pay for my existence.
As you may have gathered from the 1,000 or so whiny posts I have published about my family, I consider my home to be dysfunctional enough that I want to leave. And if my parents' behavior towards me in recent memory is any indicator, they wouldn't be all that sad if I did leave. I only suggest this because it seems that I, like their jobs or their motor vehicles, am taken care of by my parents as an obligation--at best an investment and at worst a chore--not as an object of any interest. Now, I know from Fox movies and the Ramona Quimby series that I'm probably wrong. But what else can I conclude when my father comes home every day and, instead of saying "Hi," glares and says something like "Why is the cat in the basement? Go put her upstairs."--When my mom asks "How was your day?" but, as soon as I start talking, redirects the conversation to a stressed-out "Why haven't you done ______ yet?"--When, in spite of constantly nagging me to do one school-or-college-related thing or another, neither mom nor dad cares to know what classes I'm taking or what I'm learning, or for that matter, what's happening in my life at all?
My parents lead busy, highly stressful lives. Between work and taxes and aging mothers and oil changes, they can't always stop and smell the roses: I get it. But my point is, if we can't make time to see each other as anything more than chores to be completed, why the hell should I bother to go to college close to home?
Here's where this all becomes relevant. Of late, my parents have insinuated a few things about my college education. The first is that they would prefer that I went to college in-state, or at least in some state close to Washington, because otherwise they won't see me very often and it will "really change things." This strikes me as a little bitchy. Maybe it's too much to ask, but I would think that if they wanted me to stick around, they might have given me some sign in the past few years that my presence was a pleasure rather than an inconvenience. But to insist that I go to college out-of-state, I would be saying: "Even though you two have provided for me and kept me alive since forever, I don't really like being around you, so I'm going to leave. By the way, I need some thousands of dollars." And this strikes me as really bitchy.
Let's go back to the financial rundown I threw out before, for therein lies another of my college woes. My parents, as I said, have always stressed education as being the top priority in my life. Because of this I've been in expensive private schools since the 1st grade, and for this I'm very grateful. But frankly, I would rather go to community college than doom my parents to working until their dying day at jobs they hate. And unless I magically score tens of thousands of aid bucks (see #6), there's a good chance that that will happen. What hits me now is that this education-centered life I've been leading, which by all rights should lead up to the exotic college experience of my dreams, will probably now be cut short by the salary game. That by itself strikes me as incredibly and unforseeably bitchy.
In fact, looking back on all the years that my poor parents spent toiling away in cubicles to pay for my schooling, I wonder if they wouldn't have been better off quitting their high-paying jobs, doing work that they enjoyed, and raking in the financial aid now that it counts. And if they really would have been better off...well, that strikes me as the bitchiest of all.
So who's to blame in this situation? Everybody, really. My parents, the Seattle School District, college, Abraham Lincoln, and I. There's not much that can be done about it. And so--as in so many other whiny soliloquies of mine--I must end with a confession: this post wasn't actually for you. It was just me ranting to the World Wide Web, which seems right now to be the least touchy of audiences.
8 reacties:
Reactie #1:
(Disclaimer: it is late and I am tired and I don't know what I'm talking about)
Woo hoo! The system screwed you over! Congradulations, you may be able to get into X college of your dreams, but you probably can't pay for it! YAYYYYYYY!
Here's where the money goes: 1)school, even with financial aid is a lot. You know this. 2) Taxes in Seattle are astronomically high for the U.S. and just like financial aid, if you make above a certain amount the gov't doesn't cut you much of a break. 3) Because taxes are astronomically high, the cost of living is also astronomically high. Yes, this figure takes into account the similarly high salaries that many of the folks around here earn - and they're still screwed. 4) All of the money that your parents may or may not have had in stocks/bonds/liquid assets went down the tubes last September. That was what was going to pay for their retirement, so don't feel too bad. It's not as though they weren't going to retire before. 5) America isn't quite socialist enough yet to have cheap good universities that people actually want to go to. Just socialist enough to tax the bejeesus out of you, and then tax more bejeesuses out of you thanks to the way we've decided to prop up industry. Don't worry about it.
Want to be a Republican yet?
Also, take heart young one (...old one), because those financial aid calculators don't take into account a variety of factors that colleges will use to calculate financial aid. It sounds like you just plugged in your parent's incomes and whether or not you were white. A tax return will have a lot more info than that, and certain things will indeed help reduce the cost of college for you. I promise.
Also, it sounds like you might want to actually talk to your parents about this before you both get into a giant bitch cold war. And you're Russia, so you'll eventually lose. Bummer.
Anyway, we should talk about this when I'm sane(r).
Oh hey thanks Twitter for the helpful link : http://www.girlvsrobot.com/?p=822
Argh, Schmidt, when I posted I really wasn't thinking about taxes. Of course! Taxes! (And no, I don't want to be a Republican quite yet.)
I know that colleges take much more into account than one's parents' income; I was mostly estimating based on a) my mom's experience and predictions, and b)the amount of aid I'm getting to go to high school, which is probably also calculated in a very complicated way and which doesn't bode well for the aid I'll get in college.
But there are definitely factors I'm not considering. Hopefully those will turn out to be good factors and not evil factors.
Above all, you should know that you are hardly alone in this - there are a ton of people who are or were making tidy sums of money before the recession, but what with tax increases and higher expenses and lower income all around and the stock market cut open with its intestines dangling and your money leaking out of them, people can't pay for the things they planned on paying for.
At the moment (i.e. last year), this is pretty much the worst place to be. We've had middle class upbringings, we're white, we've had every manner of privilege that puts us in the wrong pile, except the money stops flowing. Our families haven't sold our houses yet, so we still have valuable assets that will be tallied against us in the financial aid struggle. Many of us need aid, but we don't look as statistically compelling as ghetto crack babies, even if we are more qualified.
There is a point at which that is going to have to change. There are a lot of people currently in college that stopped being able to pay for it - this principle will be extended to you should the college really like you. Yes, the need assessment is going to be pretty rough on your family, but it's not going to be "HA HA HA YOU LIVE IN A HOUSE AND ARE WHITE AND GO TO PRIVATE SCHOOL YOU GET NOTHING." You are applying to colleges that are really going to want you - and you'll have the benefit of comparing financial aid offers later. So I guess, for now, you shouldn't worry about it all that much, because there are so many other people in your position that schools are going to have to start offering aid for you or they will have like 4 students.
You know, first off I have to disagree that your parents don't want you around. I know it seems like all they can care about right now is school/college, but trust me, all parents are like that. It's all that's on their mind right now, and in some strange way, they are showing that they care for you (I think). I am feeling nowadays that I can't be around my mother anymore, and yet I'm pretty sure (I hope) that she still loves me.
Also, Schmidt is correct. Taxes suck.
So, here's the problem. America's system currently makes it easier to be poor than to be rich. I mean, not ridiculously rich, because they always have it good. I mean rich like us, as in we have enough money for things, and then some, but in general, we don't have a ton of money. So why is it easier to just not work as hard, and get by on things like welfare (and now you can have health care too!), get financial aid for education, etc.? Doesn't it strike you as wrong that harder working people are getting screwed over more?
(Want to be Republican now?)
I guess what I'm saying is that the system will always lean towards favoring somebody. Tax cuts for the rich clearly screw over the poor people, but the other way around seems to screw over a larger amount of the population, aka the middle class.
(How about now?)
Okay, I'm going to leave this comment now, because otherwise I may just have to write my own post, which I have no time for.
Three things.
1) If a man goes by "Honest Abe", you are entitled to blame him for EVERYTHING.
2) Who was the father of your imaginary baby? Has Baltzer finally entered the world?
3) The financial situation truly sucks, but I suspect that since this post wasn't really for us, offering my consolations again won't really help. Instead, let me just say that if ever you feel like you need to be cheered up about this (or need to rant, and then be cheered up), there are a thousand and one ways I can help. Most of them involve a certain boyband.
No Narvs, I only wish we had healthcare. Instead we have bullshit. Thanks Obama. Thanks Democrats. Thanks Republicans.
‘Do, this makes me incredibly sad because this post was just a reminder of why you of all people really deserves to go to a really great college (far away from Seattle) and not have to worry about paying for it. In addition to being amazing in general you are a seriously gifted writer.
I have a confession: for the last three years I’ve been attending Lakeside on a free ride. The medical bills from my sister’s near death experience (oh hey healthcare) wiped out the last vestiges of wealth, and so the school took pity on me, and basically now I owe my soul to Bernie Noe. Anyway, like some sort of creepy ambulance-chasing money-grubbing animal, my family subsists on the money left to us through the timely deaths of our relatives, but unfortunately the last grandparent just died, so that option no longer remains. Like you, I’ve been having the money conversation with my parents and it’s stressing me the fuck out even though they tell me not to worry. I’ve been told that we can afford to pay about four thousand dollars a year ,which considering college costs 50,000, is awesome. The really frightening thing is we still aren’t that poor. We can still afford luxuries actual poor people could never have, but when education is involved that doesn’t matter. That’s why I’m hoping against hope to get into the ivy-that-shalt-not-be-named (uncertainty and nervousness make me cling to superstition), in part because they will essentially pay for your education. Unfortunately, I don’t actually consider myself smart enough to really deserve that treatment, and so at the same time I’m wracked with guilt that more qualified people like you will most likely get screwed over more than me just because you still can maintain the semblance of having money.
If it’s any solace (it’s not), as a last resort you could definitely find a school that is still good, but not top tier willing to give someone as smart and talented as you a full scholarship. Or maybe something unexpected will happen or because the world works the opposite way that it should maybe you actually have less money than you think and thus get enough aid to go where you truly want. And if you would like to bitch in person (god knows I enjoy it) feel free.
P.S. I’m really sorry for commandeering your post and making it about me, but I’ve been thinking about this topic a lot recently (surprise).
Previous commenter, even with my minimal understanding of your sister's health crisis, I can say with relative confidence that scenario would have screwed you over one way or another in any country with any health care system. In all honesty, the fact that you were in the US gave her the highest chance of survival, statistically speaking. And, like Lakeside, most colleges will take note of that extenuating circumstance with regard to aid.
More broadly, yes, financial aid will screw the lot of us over simply because our families are all in possession of assets. Regardless the amount of money our families are actually able to pay, the fact that we still hold middle-class status jinxes us of major aid.
But we all have forgotten that there are other ways to pay for college. You can have faith that whichever school you attend will make up for most of your "demonstrated need" - the rest of it won't be so monumental that it can't be covered with loans. And the government WILL give you these loans regardless of criteria, because that is one of the few useful purposes it has left. Sure, we'll graduate with more debt than we'd like to, but everyone has to get realistic at some point. Even though the numbers our parents give are less than comforting, there are other options.
Anyway, nobody mentioned student loans - thought it ought to be thrown out there.
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