It's still day 145 and I just checked the balance in my checking account. It isn't good at all, and I still have roughly $445 in student loan payments left to pay this month. The January cut in hours is killing me.

This is literally making me live out of my savings account.

This worries me. I haven't been cutting it this close before. In college, I was paying for school and books, sorority dues, and living costs by working one weekend a month and breaks. Am I going to have enough to make next month's payments? If I default, grad school is no longer an option.

That thought terrifies me like you wouldn't believe.

-AA