Marriage. College. Jobs. Advice?

My husband %26amp; I got married in March 2007. We are not having marital problems or anything like that. We're doing great (in that manner). He is 25 years old %26amp; has his bachelors degree. He's still working at the same job he had in college (cell phone rep). He has applied for about 65 jobs in the last year %26amp; hasn't been able to find a new job. His degree is in commercial aviation. He has a private pilot's license, but he doesn't want to fly for a living. He didn't realize that in school. He's planning on starting grad school for his MBA in January. I'm a senior in college, but not graduating till next year. I'm taking 18 credit hours a semester and absolutely do not have enough time to work b/c my grades will suffer and I'll lose my scholarships %26amp; financial aid (it happened last year...). His loans are at $103,000 %26amp; they're over a thousand dollars a month to pay back. Money is VERY tight right now and he's always stressed out. We don't use credit cards. Our cars are paid off. We're renting the cheapest apartment we can find. We're able to pay all our bills, but we never have any extra money. And he feels very insecure about it. I always try to encourage him. I don't complain about it (not often anyway). He's just always so bummed %26amp; feels worthless b/c all his hard work %26amp; education = nothing. Ideally, he'd like to get his MBA in leadership %26amp; work for an airline or aircraft manufacturer (like Lockheed Martin). I know we're only in our 20's %26amp; life will eventually get better. But he has a hard time realizing it. I grew up poor, so this is nothing new to me. But his family lives in an amazing house by the beach %26amp; make big $$$$$$$, so he struggles with the concept of being poor.





What would help him? Should he see about using anti-depressants or something? Life is going to be like this for at least 3 years...Marriage. College. Jobs. Advice?
1) Can you get by with ONE Car?





2) See about adding renters insurance to your auto insurance policy. This would cut your rate a little, and add coverage making your monthly payment cheaper.





3) Have you considered buying a house? Rent is usually more than a mortage payment, and if you shop around, you might be able to roll up some of the student loans with the house financing.





4) Would it be worthwhile for you to cut back on classes to take a part time job? Maybe take some classes on line?





5) Do his parents have a second home you could stay in rent free for the school year? Offer to pay rent during the summer, or be out by the end of the school year. Since they are wealthy and are making him pay his own way through school, this could be an option that you have not explored. Also look into house sitting, and things like that.





6) Try some Government job sites to get his dream job now. It is not very encouraging to see someone working as a Cell Phone Rep with a college education that cost 6 figures. Do a google search for USAJOBS and GI Jobs. There are several links for the kind of work he is hoping for. Also look under the company names. Everyone has their own site, and there is usually an email address / POC.





7) Have you tried to get a deferment on his student loans?





8) Did he qualify for any grants?





9) (This one is shitty, and I know it .... but I watch people do this all the time .....) Get a divorce.





Get a divorce, file bankruptcy, clear the student loans, and 6 months later ';work things out'; and remarry on your anniversary date. You dont have any other debts, and there is no way in hell you want to pay the minimum payments for this amount of money for the next 3 years. He will be 30, with no house, and you will be starting a family late in life. By the time your kids leave the nest you will be in your 50's. You will have 10 years to enjoy before retirement, providing your kids pay for their own college education. ';Can you say visious circle?'; The sooner you contribute to savings, and retirement plans, the earlier you can retire, or the more you will have.





70% of all jobs are found by networking. Resumes and education achievements are nice, but in the end, it is who you know. Your husband needs to make contacts NOW so that he can find something by the time you are ready to look.





10) You could always join the military. They have programs to pay off student loans instead of taking enlistment bonuses. Avation is a job in the military, and it would help your husband get to where he wants to be. It could be the option that you haven't considered. Marriage. College. Jobs. Advice?
My son went to College and has a bachelors degree in Electronics Engineering. He starting salary was $65K a year.


That was five years ago. Today he is making over 100K a year and what he learned in College he doesn't even use.





What my son does is program the big computers. One day he is in California and tomorrow he is NewYork.





The company pays his Motel, rental cars and food every day.





He wants to retire in ten more years. He is only 27 years old and that young man has more money than I do.





College is wonderful when you take the right course.





My son is not married yet, but he will find his sweetheart someday. Right now he is enjoying his life, his job and all the money he is making for a single man.





The reason why he makes so much money is because there is no room for errors. If you goof up one time you're fired. Only the best are allowed to program the computer.





He takes his lap top with him jumps in does his job and he's out of there on a plane flying to his next destination.





I encourage all young adults out of High School to seriously think about College and taking a course in Electronics Engineering...you will go far in this life I kid you not.
Try to refocus him by doing fun, relaxing or interesting things together. Show him that life can be good even w/out $, but give him confidence and reassurance that things will improve. Set goals and make plans for your future together so the 2 of you have those things to look forward to. Things are so much more greatly appreciated when it involves some struggle or sacrifice to achieve them.
YOU HAVE TIME ON YOUR SIDE. AN EDUCATION IS A VALUABLE THING AND OFTEN PEOPLE DO NOT GOT INTO WHAT THEY STUDIED FOR. WHAT IT DOES SAY TO AN EMPLOYER IS THAT HE SAW IT THRU!!!!!!!!!!! HE STUCK TO A COLLEGE CAREER AND THUS, JUST NEEDS A CHANCE TO PROVE HIMSELF. IF HE WANTS TO GO INTO SOMETHING DIFFERENT, THAT IS OK AND A GOOD DECISION. HE WILLL JUST HAVE TO GET REAL ABOUT LIFE AS IT IS TODAY. EVEN HIS PARENTS DIDNT START OUT WITH A GRAND HOME AND 3 CARS. HE JUST NEEDS TO GET REAL.
My advice:


We are in a service economy which means we are not manufacturing much but fixing what we have. Being adaptable in this struggling economy is a must. Being a cell phone rep is a service economy job. Repairing aircraft, automobiles, trades at a utility are the higher paying opportunities. Be real, there are plenty of MBA leaders with experience looking for jobs now. The best leadership training he will get will not be from college, it will be from leading his family through tough times by being strong and creative.