Hey, I’m Kevin and welcome to CollegeGraduateDebt.com.
I’m at 27 year-old happily married, hardworking guy, from Lexington, KY. I graduated in May 2007 with a B.S. in Business Administration with an emphasis in management. I’m not trying to start a sob story for me but for the record I graduated with a little over $16,000 in student loans and $6,500 in credit card debt. I have taken the last 5 years of my life to take my student loans down to around $10,000 and my credit card debt is still killing me to this day.
I realized right after I graduated that I was in big trouble finding a job. I started working for $8.75 an hour at Circuit City selling car audio equipment. Sounds great doesn’t it? It equated full-time to $18,200 before taxes and not including paying for my insurance. My second job 3 months later was a full time bank teller job making $9.00 not including insurance (getting my drift?). I finally landed what I considered my first big job as a manager at a local gym making $11.00 an hour and having my insurance paid for. Before taxes still sitting at about $22,880. I finally made a decision after 2 years of no raises that I needed to find a job that I could pay my debt off as well as live a comfortable life. I found it in a job that I would normally not have taken except for the fact the rewards would have paid off tremendously for me. I decided to sell new cars at a Toyota Dealership here in town and was on pace to make around $35,000 to $40,000 in my first year. It meant I could pay off bills, pay off debt, and not worry as much, but it wound up being more stress than I hoped for being 100% commission with no base salary. I finally found my current job all by chance. I actually attempted to sell a vehicle to the owner’s of my current job and made such a good impression, they decided to take a chance on me even though I didn’t have a background in their industry! I currently work as an assistant account manager for a commercial greenhouse making between $30,000-$40,000 a year salary (Sorry for the range but can’t disclose salaries per company policy).
My goal is to provide as much valuable information and knowledge about staying out of debt or getting out of debt before or during a college education. This site is all about learning and helping yourself, others as well as me. I want to provide tools and guides on ways to help future students, current students, and graduated students, as well as parents and teachers.
You may ask why I just went through that boring story just to tell people about my life. My answer: to prove a point to parents, students, college educators, and the general public. Making $40,000 out of college is not a guarantee nor is it something that will probably come soon. It took me 5 years to get where I am today with persistence and perseverance and a lot of searching for a career that could give me the ability to keep my head above water. And guess what? I want more to finish paying off all these loans and live debt free for once in my life.
My goal is to help as many people with this blog as I can. I hope someday someone sends me a message or an e-mail that says “Thanks for the help, I graduated school debt free with no help” or “I just finished paying my loans off.” That is what excites me about trying to find and give valuable, quality information to as many people as possible.
Follow me on a great path to success!