Hey everyone! Today, we have a fantastic dear debt letter with a different take on debt from Kathryn. Kathryn is an Assistant Public Defender in Richmond, VA. When not in the courtroom, she writes as one-half of the duo behind the Dames in Debt blog. The Dames are sisters working off their combined $250,000 worth of student loans and consumer debt. Representing both coasts of the United States of Indebtedness, the Dames blog about millennial budgeting, saving money without feeling deprived, and how to live first-class on coach funds.
I know it’s been a while since we last talked, and I know you’re probably really mad at me for spending so much of my time trying to get rid of you. Sorry, it’s nothing personal – it’s just that I feel like we’ve grown apart. But there is something I really need to tell you: Thank you.
From the bottom of my heart, thank you. Thank you for making my dreams come true. Thank you for bridging the gap between scholarships and grants and the cost of my college degree. Thank you for buying me that super expensive, business school textbook that wasn’t on the syllabus that I had to pay two-day shipping for in order to receive it on time.
Thank you again for putting me through law school where the Cost of Attendance pales in comparison to what actual living expenses are for twenty-somethings. Thank you for paying my medical costs for those two years where I didn’t have health insurance and for that time my car was making a funny noise and needed a new filter.
Thank you for being there for me when I desperately needed help with no one else capable of helping. Thank you for feeding me, clothing me, and supporting me from ages 18 to 25. Thank you for driving me two hours every day during the summer so I could take summer classes and graduate early. Thank you for letting a 19-year-old old buy a car by herself so I could actually do most of the things I’ve done in life, especially for allowing me to be a Girl Scout troop leader.
Our time together hasn’t been amazing, but it wasn’t the worst either. You didn’t judge me when I soothed my dad dying with a rather large amount of food, and you were there, proudly beaming, when I graduated with my Juris Doctorate (something not everyone in my family can say). You were there for me whenever I needed you, and for that, I am truly thankful.
You’ve watched me grow from the person who worked two or three part-time jobs plus full-time school in to someone who can support herself entirely on a full-time salary and still save a little for the future. You’ve taught me the value of hard work and heck of a lot about compound interest. I’m happy to say that with all of your help, I’ve become a person that doesn’t need you anymore, and I’m sure you’d tell me you’re happy for me.
I know a little part of you will be with me for at least the next ten years (although we’ll be drifting farther away each month). I’m sad to see you go because of everything you’ve stood for these past few years, but I know you’re going to go help some other 18-year-old old make her dreams come true. You were worth every penny, and if I could do things over again, I’d totally take you out again.
I’m glad we met, and I’m thankful for our relationship over the past few years. Good luck with everything in the future – I know I’ll be seeing you around at least for a little while, but I guess I felt I owed you an explanation for why we’ve been drifting apart. You were there for me for so many things, and even though the rest of you will be forgiven in the future, just know that I’ll never forget you and all the things you did for me.