If only I were too big to fail

February has been a bit of a shit month.  I knew that life immediately following Sundance wouldn’t be easy, but I never imagined it’d be… like this.

At present, I’m as broke as I can recall being, at least since I first moved to NYC.  This is due, primarily, to getting profoundly fucked-over by the freelance editing client I was working for in New Jersey, who canceled my contract for legally dubious reasons and now refuses to pay me for even more legally dubious reasons.  Yes, I did sign a contract, but as freelancers aren’t protected under employment law in this country, my only recourse is to take them to small claims court, which I’m not even sure I can do because they live in New Jersey.  I’m told that this is something that happens to every freelancer at one point or another, but for it to happen to me now is… inconvenient, disappointing, frustrating, and profoundly depressing.

A second reason for my financial straits is that I’ve had to start paying back my CitiBank private student loans, in spite of the fact that I am still underemployed.  I was able to defer them for all of last year, during which time there were apparently laws passed which allowed private student loan lenders to eliminate the extended and graduated repayment plans, leaving me with one option –– a $500/month standard payment.  While I accept and acknowledge that I “knew what I was getting into” when I took out this loan, the student loan system in this country is completely out of control, and the people at CitiBank are a bunch of assholes.  If things continue as they are, I wouldn’t be surprised if we see another financial crisis based not on mortgages but on student loan debt.

And while I’m on my soapbox, doesn’t it seem a bit counterintuitive to have the most educated people in our country be burdened by debt because they chose to further their education?

If only I were too big to fail, perhaps the government would bail me out of my debt.

But I digress…

I do have some promising freelance work lined up for March, as well as some meetings and interviews that are promising in other ways, so my current financial lot will (god willing) improve.  The present, however, is no fun.

But on Wednesday I’m flying to California, thanks to my sister and Brian, and I can’t think of a better way to get March started right.

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