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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Really PP?

You have two kids who will both be in college in 8 more years? So they are like 10 and 12 or so now?

And you are 48 years old now, so you had your kids when you were 38 and 36ish?

And since you were in your 20s you always had at least 2 jobs?

What were the 2 jobs? Standing on your feet jobs or sitting down at a desk jobs?

And how is your health?[/quote]

Yes, really. Why this is so hard to believe is silly. My health is great. I sit at a computer when I work. I had 3 jobs 22-31. I taught college English at night as the third job then. My second job in early 20s was teaching ballet.

3 jobs til 31.

2 jobs since 31.

I am 48.

I will probably scale down to one job at 55 when kids are in college.

I don’t have any kind of social life. I am an introvert and completely fine with that. I like having a lot of savings. I only have it because I work more than other people.

OP is early 40s and her kids are launched! She could easily work a second part time less demanding job for the next 10 years. Her kids are adults! [/quote]

I think you are an outlier is all. 
I'm an elementary school teacher who walks all day long (I'm an interventionist so I have to walk and get my students every 20-30 minutes) up and down stairs, and by the end of the day I am quite tired. 
I could tutor a little on the weekend or do something else to earn some extra money, but I could not work a second job for decades! Any my kids are also adults so it has nothing to do with them.

OP is an LPN which means she is walking a lot, lifting patients, rolling them over etc. It's a labor intensive job.
I'm sure she can work some extra hours, and she says she is doing so. But working many hours overtime for a decade is what is going to need to happen to pay off this $80K debt. I don't think it is realistic.

I think her situation is exactly what bankruptcy is for.[/quote]

A lot of people think it so as well but OP needs to bring herself to do it. I think the stress of money would be too much on other physical demanding job and school. It would take her a while to do it anyway and then re-start so why not just file bankruptcy and re-start soon? How much it cost for lawyers and filing fee for bankruptcy chapter 7 in OP's case? Like $2K maybe?[/quote]

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