The problem is that you need to be legal to work where you land. You can't just go to Europe and teach English legally. There are visas and etc. and you need to research how to qualify for those, which you may not as you don't have the skills they want for people getting these visas. But look into it....
Best answer: The problem is that you need to be legal to work where you land. You can't just go to Europe and teach English legally. There are visas and etc. and you need to research how to qualify for those, which you may not as you don't have the skills they want for people getting these visas. But look into it.
Something entirely realistic is to do an organized "teach English abroad" program. Most jobs teaching English are in China and other Asian countries right now, not in Europe, but you can look into such programs. Usually, they pay you a small salary, they pay your travel there and back, and they pay your housing. The pay isn't great, the housing isn't always amazing, and some companies that do this are more reputable than others, so do your research.
As others said, these jobs tend to be contract-based, so you only do this for a year or two. But still, you get out of the US, get to do something other than what you're doing for a while.
Your student loans won't go away. If you don't pay them, they'll balloon. I've seen loans go from $120k to $300k+ due to default, so do not go that route. If you really want to skip out on these, you'd need to plan not to move back to the US, and you'd need to go to a country where the financial system isn't tied into that of the US, such as Australia. To do that, you'd need to qualify to enter, and get a work visa there, which isn't easy; but you can do some research.
You're 30 now, and make so-so money. The fact that you don't make a lot is kind of in your favor, because it means you have some flexibility. By that I mean you can apply for better, more upwardly mobile jobs that also pay so-so, and there are a lot of those. With your bachelors degree and admin experience, you might be able to get an entry level job in university admissions. These pay about where you are, or less, depending on the college, but you'd be able to move up from there. To do that, you might start volunteering in admissions for your former uni, doing college fairs and etc., just to get a bit of related experience. Then start applying.
You could also look at other jobs you can get promoted out of. For example, admin assistant for an HR department, or marketing department, where you work or elsewhere. You'd learn the business, then work to get promoted into, for example, a staffing role in HR.
I'm not thrilled about the idea of you taking on additional debt right now, but have you ever thought of being an English teacher in the K-12 system? Or doing something related that's in more demand like bilingual or special ed? If so, there are masters programs out there for people making a career transition into teaching. You'd probably make about what you do now when you start working, and you might have to take on more debt to get into these programs, but the benefits are probably better than what you get now, and because most public school jobs are union, you advance in salary over time, and eventually can make decent money if you're in the right region of the US. And if you're willing to work in specific underserved areas of your state, you might qualify for student loan forgiveness programs after teaching about five years, which could help you.
If you haven't already done so, talk directly to your lenders to see if you can have your monthly payments lowered. Know that doing this causes what you owe to go up, due to fees and etc., so don't do this unless you must. But do it if the alternative is not paying.
In terms of current living situation, I'd suggest you do an apartment share/roommate thing for now, until you figure out your path. Don't rent an apartment on your own - you can't afford it yet.
4 weeks ago